Mail Order / Telephone Order Merchant Account Rates
Listed below are our mail order/telephone order (MOTO) merchant account rates and fees for processing transactions when credit card information is keyed into a terminal or software instead of being swiped through a terminal. This is also known as a card not present (CNP) transaction.
If you currently process credit cards with another merchant services provider, check out our free conversion program and give Merchant Express a chance to beat the rates you’re paying now.
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Mail/Phone Discount Rate | 2.65% | 2.27% |
| Mail/Phone Transaction/Batch Fee | 35 ¢ | 24 ¢ |
| Address Verification Fee | 5 – 10 ¢ | 0 ¢ |
| Monthly Service/Support/Statement Fee | $10 – $15 | $9.95 |
Other Fees (some might not apply):
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Voice Authorization FeeNote: only charged if you call the 800voice auth line to authorize a transaction. | $1.50 | 75 ¢ |
| Chargeback / Retrieval FeeNote: only charged if your customer disputes a charge. In practice this rarely happens. | $35 | $25 |
| ACH Reject FeeNote: only charged if you lack funds in your bank account to cover credit card fees or debits. | $30 | $15 |
| ACH Change FeeNote: only charged if you changeyour checking account. | $20 | $15 |
Most other providers will try to charge you the following fees. We do not!
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Annual Fee | up to $195 | $0 |
| Application Fee | $75 – $125 | $0 |
| Setup Fee | $50 – $150 | $0 |
| Programming Fee | $50 – $95 | $0 |
| Monthly Maintenance Fee | $0 – $10 | $0 |
| Overlimit Fee | varies | $0 |
| Authorize.Net Gateway Setup | $99 – $299 | $0 |
| Authorize.Net Transaction Fee | 10 ¢ | $0 |
| Web Shopping Cart | $299 | $0 |
Note: Rates and fees are effective for accounts set up on or after November 9, 2010. The information listed above is a summary only and may not be all inclusive; all charges are listed in the merchant application and agreement. Minimum charges may apply to some accounts. Unlike other providers, we do not charge a cancellation fee if you go out of business or if you have a service issue we cannot resolve.
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